RV Insurance In Coastal North Carolina
Protect your RV and brand-new camper from the threats of the road with a customized RV insurance from THG Insurance. Our goal is to ensure you get the coverage you need at the best price point.
Protect Your RV With THG Insurance
Owning an RV offers the freedom to explore the open road while enjoying the comforts of home. Whether you’re a weekend adventurer or a full-time RVer, having the right insurance is crucial to protect your investment and ensure peace of mind.
At THG Insurance, we specialize in RV insurance in Wilmington, NC, tailored to your unique needs.
Why You Need RV Insurance In North Carolina
RVs are much more than just vehicles—they are your home away from home, which means they require specialized insurance coverage. Standard auto insurance doesn’t offer the level of protection needed for an RV.
Having RV insurance ensures you’re protected from the unexpected, whether it’s an accident on the road or damage to your RV while parked at a campground. With the right RV coverage, you can travel confidently, knowing your investment is safeguarded.
What Does An RV Insurance Policy Cover?
We will design a comprehensive insurance policy for your RV to cover a wide range of scenarios, providing you with the peace of mind you need to enjoy your travels. A typical policy includes:
- Protection Against Physical Damage: Covers your RV against damages caused by accidents, severe weather, theft, and more.
- Liability Coverage: Provides financial protection if you’re at fault in an accident that causes injury or property damage to others.
- Coverage for Personal Belongings: Insures the contents of your RV, such as electronics, furniture, and other personal items.
If your RV is your full time home, be sure to discuss that with your agent so that they can offer the right coverage for your specific needs.
Optional Types of RV Insurance Coverage We Offer
At THG Insurance, we offer a variety of RV insurance options to ensure you’re fully protected, no matter your needs.
Coverage options include:
Comprehensive and Collision Coverage: Protects against damage from accidents or incidents like fire, theft, and vandalism.
Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with someone who lacks adequate insurance.
Roadside Assistance: Offers emergency services like towing, battery jump-starts, and fuel delivery to keep you on the road.
What RVs Qualify for Coverage?
We offer insurance for a wide range of RVs, ensuring that no matter what type you own, you’re covered:
Class A, B & C Motorhomes
From luxurious Class A motorhomes to smaller, more maneuverable Class B and C motorhomes, we’ve got you covered.
Pop-up Campers
Compact and easy to tow, pop-up campers are a great way to explore, and we offer the coverage you need.
Truck Campers
Towable RVs that offer the comfort of home while on the road.
Travel Trailers And Toy Haulers
Towable RVs, also known as fifth-wheel trailers or bumper-pull campers, offer the comfort of home while on the road. Insure your toy hauler so you can enjoy your outdoor adventures with peace of mind.
Cargo & Horse Trailers
We also offer coverage for specialized trailers like cargo and horse trailers.
Utility Trailers
Protect your utility trailers from theft, damage, and more.
North Carolina’s RV Insurance Requirements
In North Carolina, RV owners are required to carry minimum liability insurance just like with any other vehicle. This includes:
- Bodily Injury Liability: Coverage for injuries you cause to others in an accident.
- Property Damage Liability: Coverage for damage you cause to another person’s property.
However, these minimum requirements may not be sufficient to fully protect your RV and your assets. That’s why it’s important to consider additional coverage options that offer more comprehensive protection.
Cost Of RV Insurance In North Carolina
The cost of RV insurance in North Carolina varies based on several factors, including the type of RV, its value, your driving history, and the coverage options you choose. Coverage can range from $100 – $150 per month and up.
At THG Insurance, we work with you to find a policy that fits your budget while providing the protection you need. Contact us for a personalized quote tailored to your specific situation.
Bundle Auto, Homeowners and RV Insurance And Save
You’ve heard that bundling your auto insurance and home insurance can save you money. If you are looking to reduce your auto insurance rates, THG Insurance can bundle your auto, home, and RV insurance together to save you even more.
Get Started Today
Ready to protect your RV? Contact THG Insurance today for a personalized RV insurance quote. No matter what type of RV you drive, we can help you find the right RV insurance in Wilmington, NC to protect your investment and keep you safe on the road.
Auto and RV Insurance Companies We Represent
Progressive
National General
Travelers
Hagerty
PURE
RV Insurance Wilmington NC FAQs
Does RV insurance cover water damage?
Yes, but only if you carry comprehensive coverage, which covers damage to your vehicle by circumstances beyond your control. This way, your RV insurance policy may pay to repair or replace your RV, minus the deductible.
Does RV insurance cover awning damage?
Generally speaking, awning damage to your RV is covered, although the details might vary based on your policy and company. Some insurers include it as a standard on collision or comprehensive coverages, while others may subject it to a different deductible. Be sure to discuss this with your agent.
Is RV insurance required?
Like cars, specific insurance requirements for recreational vehicles are different in each state. But because RVs are expensive, you’ll want insurance for RVs to secure them against damage, theft, and physical liability in case of an accident.
